ICICI Bank Reports 18% YoY Rise In Q4FY25 Profit; Declares Rs 11 Dividend Per Share

ICICI Bank, India’s second-largest private sector lender, reported an 18 per cent year-on-year (YoY) growth in its net profit for the fourth quarter of FY25, with profit after tax (PAT) reaching Rs 12,630 crore. The bank’s net interest income (NII) for the quarter also saw an 11 per cent YoY increase, rising to Rs 21,193 crore.

For the full financial year FY25, ICICI Bank posted a 15.5 per cent YoY rise in net profit, totaling Rs 47,227 crore. The bank also announced a dividend of Rs 11 per share.

ICICI Bank’s net interest margin (NIM) rose to 4.41 per cent in Q4FY25, up from 4.25 per cent in the previous quarter and slightly higher than 4.40 per cent in Q4FY24. For the full financial year, the NIM stood at 4.32 per cent.

As of March 31, 2025, total period-end deposits grew 14 per cent year-on-year to Rs 16.10 lakh crore. Average deposits during Q4FY25 rose 11.4 per cent YoY to Rs 14.86 lakh crore, while the average CASA (Current Account and Savings Account) ratio came in at 38.4 per cent for the quarter.

On the lending front, the bank’s domestic loan book expanded by 13.9 per cent YoY to nearly Rs 13.11 lakh crore. Retail loans, which comprised 52.4 per cent of the total loan portfolio, grew 8.9 per cent YoY and 2 per cent sequentially.

Provisions (excluding tax) stood at Rs 891 crore in Q4FY25, compared to Rs 718 crore in the same quarter last year and Rs 1,227 crore in Q3FY25.

Asset quality showed further improvement, with the net non-performing asset (NPA) ratio declining to 0.39 per cent as of March 31, 2025, from 0.42 per cent at the end of the previous quarter. The gross NPA ratio also fell to 1.67 per cent, down from 1.96 per cent as of December 31, 2024.

ICICI Bank reported a capital adequacy ratio of 16.55 per cent, while the provisioning coverage ratio on non-performing loans stood at 76.2 per cent.

Reflecting investor optimism, ICICI Bank shares closed 3.7 per cent higher on Thursday at Rs 1,406.65 on the BSE.

Also Read: YES Bank Q4 Results: Net Profit Soars 64% To Rs 738 Crore

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